Privacy Policy | Privacy Secured

Charleston, West Virginia

What are closing average Charleston, West Virginia closing costs?


VA Home Loan Closing Costs in Charleston, West Virginia

Average Charleston,  VA Closing Costs

Charleston, West Virginia VA Home Loan Closing Costs



The reality of the housing and mortgage industry is that there are always going to be additional fees, payments, and costs to pay.

The VA Home Loan is no different.

That being said, it is one of the few mortgage types with minimal fees that extend beyond the typical mortgage costs. In today's Go VA Home Loan Mortgage Blog we'll go over exactly what you need to know about VA Home Loan Closing Costs in the Charleston, West Virginia area.

Common Charleston VA Home Loan Closing Costs May Include:
  • Taxes and insurance costs
  • Appraisal, recording, title, VA funding fees
  • Credit report, survey, express mail fees

Just like any other area in the United States Charleston, West Virginia VA home loans require closing costs. Conventional, FHA, USDA, Harp Refinance, Jumbo Mortgage Loans, and any other loan type will unfortunately also include costs at their closing. The VA home loan is no different. This means it is extremely important that you have an in depth understanding of what these closing costs consist of. If you would like a VA home loan professional who is familiar with the Charleston area to walk you through these housing industry complexities feel free to call (816) 945-9924 for free help.

About VA Closing Costs, Closing Expenses, and Closing Fees



To simplify the costs and potential costs we have made a quick list of typical VA Home Loan Closing Costs and Fees?


VA Mortgage Application Fees
Mortgage Application Fees, paid by the buyer to the lender, to cover the costs of processing their loan application. In some cases, the buyer would pay the lender the application directly and prior to closing, while in other cases the fee is part of the buyer's closing costs payable at closing.


Brokerage Commission Fees
Brokerage Commission, paid by the seller to a Real Estate Broker, to compensate the Broker(s) involved in the sale for their services in marketing the property, finding a buyer, and assisting in the negotiations. Brokerage commissions are usually computed as a percentage of the sale price, and are established in a listing agreement between the seller and the listing broker. The listing broker may offer Buyer Agents a portion of their commission as an incentive to find buyers for the property.


Home Inspection Fees
Inspection Fees, usually paid by the buyer (although occasionally by the seller), charged by licensed home, pest, or other inspectors. Some lenders require inspections (such as termite inspection) to verify that the property is in good condition, which is necessary to assure that the property will retain the necessary collateral value to secure the mortgage loan.


Private Mortgage Insurance (PMI) Fee
Private Mortgage Insurance (PMI) paid by the buyer but may be reimbursed by the seller. Lenders will typically require that a mortgaged property be insured if the Down payment is less than 20 percent, and will usually require that the first full year's mortgage insurance premium (MIP) be paid in advance by the buyer. If the buyer has not already paid the insurance company directly, this would become another closing cost payable at closing. The buyer can request cancellation of PMI once their equity reaches 20 percent of the market value, and the lenders are required to automatically cancel the PMI once the equity reaches 22 percent by federal laws.


Pre-paid Homeowner's property insurance
Pre-paid Homeowner's Property Insurance, paid by the buyer in advance to protect the home against fire, earthquake, flood (normally a separate policy from other hazard insurance), theft, and other casualties. The lender will require this coverage. Flood insurance may or may not be required, depending on the location.

Recording Cost
Recording Cost, paid by either party, charged by a governmental entity for entering an official record of the change of ownership of the property. Required by the government for recording the deed.


Title Service Costs(s)
Title Service Cost(s), paid by either party according to the contract but by default seller may pay the majority, for title search, title insurance, and possibly other title services. In some cases the attorney may do the title search or the title service and attorney fees may be combined. Required by institutional/commercial lenders and often by the real estate contract.


Attorney (Lawyer) Fees
Attorney (Lawyer) Fees, paid by either or both parties, for the preparation and recording of official documents. The principals and/or lender may each be represented by their own attorney. Typically required by institutional/commercial lenders to ensure documents are prepared correctly.

Charleston Home Loan Closing Costs Conclusion


The VA closing costs and fees above are not absolute on every single home bought. A lot of them are dependent on the individual circumstance of each mortgage lenders rules or the military member's housing situation. If you want to get a profession opinion on your individual circumstance and what your closing costs and closing fees for your VA home loan might be then feel free to call a professional loan specialists at (816) 945-9924.


To learn more about closing costs in Charleston, West Virginia click here.

Helpful West Virginia VA Loan Info


What is the Charleston VA Loan Appraisal Process?

VA Purchase Home Loan Program Charleston

Military BAH Rates - Charleston Basic Allowance For Housing

Charleston VA Mortgage Calculator

Charleston VA Mortgage Rates

Common Charleston VA Home Loan Questions

How Do I Get A Charleston Certificate Of Eligibility(COE)?

Military DD214 Form for West Virginia military personnel

Charleston VA Credit Score Requirements

Charleston VA Streamline Refinance Loan | IRRRL Refinance Program

Charleston VA Mortgage Lenders

Charleston Income & Financial Requirements For VA Loans

What are closing average Charleston, West Virginia closing costs?

Charleston VA Mortgage CO-Signer Requirements and Regulations

Charleston Military Home Loans and special benefits

What is the Charleston, West Virginia VA Entitlement?

Charleston West Virginia VA Home Loans

The Government Will Pay Your Charleston VA Loan Through the BAH Program

All West Virginia VA Loan Locations

Locations Nearby Charleston


Clendenin, WV 25045
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8921
AVERAGE HOME VALUE PER SQFT: $71 Per Sq Ft

Education Stats in Charleston, WV

Highschool Graduation Percent: %
Graduate Degree Percent: %
Bachelors Degree Percent: %

Charleston, West Virginia housing data

Charleston Poverty Percentage: %
Charleston, WV Median Earnings: %
Median Household Income in Charleston: %
Charleston, West Virginia Median Home Value: %
25387 Median Gross Rent: %

Time zone and area codes for Charleston

Charleston Time Zone: America/New_York
Area Code(s) For Charleston, WV: 304

Charleston(25387) Coordinates

25387 Approximate Latitude: 38.35
25387 Approximate Longitude -81.63
25387 Population Center Latitude:
25387 Population Center Longitude:
Charleston's Polygon Offset Latitude:
25387 Internal Latitude Point:
25387 Internal Longitude Point:
25387 Latitude Minimum:
25387 Latitude Maximum:
25387 Longitude Minimum:
25387 Longitude Maximum:

Charleston, WV Age Demographics

Charleston Population Under 10: People
Charleston Population 10-19: People
Charleston Population 20-29: People
Charleston Population 30-39: People
Charleston Population 40-49: People
Charleston Population 50-59: People
Charleston Population 60-69: People
Charleston Population 70-79: People
Charleston Population 80 years and up: People

Charleston Demographics Data

White demographics: People
African-American demographics: People
Charleston Indian and alaskan natives: People
Charleston asian demographics: People
Charleston Hawaiian and Pacific Islanders: People
Charleston Population Makred as Other: People
Charleston Two or more races: People
Charleston male population count: People
Charleston female population count: People

Charleston, WV Facts

Total Population in Charleston:
Charleston Land Area:
Number Of Houses in Charleston, West Virginia:

Charleston Postal, Tax, and Wage Facts

Total Wages in Charleston:
25387 Post Office Location: NA-US-WV-CHARLESTON
25387 Post Office Type: STANDARD
There were tax returns in 25387.

Charleston, WV 25387
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8749
AVERAGE HOME VALUE PER SQFT: $54 Per Sq Ft


South Charleston, WV 25303
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7886
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25304
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7605
AVERAGE HOME VALUE PER SQFT: $96 Per Sq Ft


Nitro, WV 25143
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7367
AVERAGE HOME VALUE PER SQFT: $72 Per Sq Ft


Dunbar, WV 25064
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6855
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Elkview, WV 25071
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6816
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Charleston, WV 25311
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6725
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Cross Lanes, WV 25313
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6338
AVERAGE HOME VALUE PER SQFT: $77 Per Sq Ft


South Charleston, WV 25309
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6278
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25314
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5833
AVERAGE HOME VALUE PER SQFT: $92 Per Sq Ft


Charleston, WV 25302
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5253
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Saint Albans, WV 25177
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 3334
AVERAGE HOME VALUE PER SQFT: $67 Per Sq Ft


Fairview, WV 26570
METROPOLITAN Area: Fairmont, WV
COUNTY NAME: Marion West Virginia
CITY SIZE RANK: 10546
AVERAGE HOME VALUE PER SQFT: $119 Per Sq Ft